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The first presidential debate of the 2020 election is behind us, but we still have two more coming up before Nov. 3, as well as a vice presidential debate.The single vice presidential debateThe next debate will be between the running mates, Vice President Mike Pence and Sen. Kamala Harris. The candidates for vice president will square off on Oct. 7 at the University of Utah in Salt Lake City.The debate will be moderated by Susan Page, the Chief of USA Today’s Washington Bureau.The event will be divided into nine segments, with about 10 minutes being spent on each. Page will ask an opening question, after which Pence and Harris will have two minutes to respond. Page will use the balance of the time in the segment for a deeper discussion of the topic.The second presidential debateThe next time President Donald Trump and former Vice President Joe Biden will face off will be on Oct. 15 at the Adrienne Arsht Center for the Performing Arts in Miami, Florida.The debate will be a town meeting-style event, moderated by Steve Scully, Senior Executive Producer and Political Editor at C-SPAN.The debate’s questions will be posed by citizens of the South Florida area. The candidates will have two minutes to respond to each question and there will be an additional minute for the moderator to facilitate further discussion.The town meeting participants will be uncommitted voters selected under the supervision of Dr. Frank Newport, Senior Scientist at Gallup.The third presidential debateThe third and final presidential debate of this cycle will be held just days before Election Day on Oct. 22. The event is set to take place at Belmont University in Nashville Tennessee and will be moderated by Kristen Welker, White House Correspondent for NBC News and weekend co-anchor of the Today Show.The format of this debate will be identical to the first, divided into six segments with about 15 minutes dedicated to major topics selected by the moderator. Welker will open each segment with a question and each candidate will have two minutes to respond. Trump and Biden will then have an opportunity to respond to each other.Changes to upcoming debatesThe day after the first debate, the Commission on Presidential Debates announced that there will be changes made “to ensure a more orderly discussion of the issues” at future debates this election season."Last night’s debate made clear that additional structure should be added to the format of the remaining debates to ensure a more orderly discussion of the issues," the commission said in a statement. "The CPD will be carefully considering the changes that it will adopt and will announce those measures shortly."The commission also said it's grateful to Chris Wallace for the "professionalism and skill" he brought to first debate, and they intend to ensure that additional tools to maintain order are in place for the remaining debates. 2905

The CDC reports that the number of flu cases is low right now, and it could be because of safety precautions to slow the spread of the coronavirus, including wearing masks and remaining distant from people in public. Also, high levels of flu vaccinations.The Centers for Disease Control and Prevention tracks flu vaccine distribution and shows, so far for the 2020-2021 season, just under 190 million flu vaccines have been distributed. This compares to about 174 million distributed during the whole 2019-2020 season.According to the CDC’s weekly “flu view” update, “seasonal influenza activity in the United States remains lower than usual for this time of year.”“Overall flu activity is low, and lower than we usually see at this time of year,” Dr. Daniel B. Jernigan, director of the influenza division of the Centers for Disease Control and Prevention, told the New York Times. “I don’t think we can definitively say there will be no twindemic; I’ve been working with flu for a long time, and I’ve been burned. But flu is atypically low.”However, they caution that flu activity may increase in the coming months. Flu season typically peaks at the beginning of the year, depending on the region.The CDC’s map showing state-by-state flu activity shows the majority of the country with “minimal” rates of flu activity, with Oklahoma at a low “moderate” level. A comparison to the 2019-2020 season showed two states were in the moderate level at this time.“The unprecedented demand we’ve seen for flu shots this season, along with safety precautions everyone is taking to limit the spread of COVID-19, such as social distancing, wearing facemasks and frequently washing their hands, may be contributing to lower flu activity this season,” Dr. Kevin Ban, the chief medical officer at Walgreens, said in a written statement.Related: Is it the flu or coronavirus? Walgreens is reporting fewer sales of antiviral medications for flu so far this season compared to 2019. The health and wellness company has a flu tracker each season that tracks regional activity.Health experts remind everyone it is not too late to get the flu vaccine and be protected for the 2020-2021 flu season. 2186

The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The Farmers’ Almanac has released its wintertime forecast for 2020-21 on Monday, and said it is expecting a cold, snowy winter for much of the United States.Where it is normally cold enough to snow in the US, the Farmers’ Almanac predicts above average snowfall in most areas.From the Mississippi River to the east, the US is expected to see below normal temperatures. The northern Plains and Rockies will also see colder than average temperatures according to the almanac.The Pacific Northwest could see some of the most pleasant weather of the winter in the US, with mild and dry conditions expected there. The southwest is expected to see normal temperatures.Snow lovers, before you get too excited by the forecast, know that long-term forecasts have a tendency to be off.Last year, the Farmers’ Almanac predicted a “Polar Coaster Winter” for much of the US. Those predictions did not come to light, especially in the Midwest, which had a well above average winter.Still, the Farmers’ Almanac stands by its projections."Preparing people for the unexpected is more important than ever," states editor Peter Geiger, Philom. "Our job as editors of the Farmers' Almanac is to pass down valuable tips and advice to help our readers thrive, no matter the obstacles."To see more detail on the Almanac's forecast, click here. 1328

The former football coach for The Ohio State University, Earle Bruce, died early Friday morning, ESPN reports.Bruce was the coach for the Buckeyes from 1979 to 1987 and had the difficult task of replacing legendary Buckeyes coach Woody Hayes. He was well-regarded, leading the team to four Big Ten titles and had a 5-3 record in bowl games. A number of his players, such as Jim Lachey, Keith Byars and Pepper Johnson, went onto pro careers. 478